Digital Banking Platform

The PSD2-compliant back-end that supports fast channel developments

With more and more pressure from regulation, fintech competition, price war, commoditization, and new types of customers and usage, banks have to reinvent themselves and face their digital transformation challenge.

Our flexible and modular WL Digital Banking Platform provides the back-end that supports fast channel development. As a service layer, composed of a collection of business enablers, the digital platform enables simple data coming from the bank information system or third-party to be processed, valued, and properly displayed on the mobile or web applications.

Enablers are activated and deployed independently to offer all the user experience needed for your customers. It allows launching and experimenting new services through off-the-shelves enablers proposed by equensWorldline, or specific enablers especially developed for a particular customer requirement.

Our WL Digital Banking Platform solution, developed and deployed in 2011, received the PayFORUM Award 2018 in the category ‘API’. The implementation of PSD2 encourages financial institutions to consider new business models in order to exploit the opportunities of Open Banking. Whether their strategy is defensive - with the exposure of regulated APIs, or offensive - aimed at generating new revenue through the monetization of proprietary APIs, the WL Digital Banking Platform solution will allow them to take advantage of this new stimulating environment.

Functionalities

The digital banking platform is composed of four types of components:

Business enablers: a business service layer, that processes data coming from the bank information system or third-party data providers, and provide added value services to customers. Some advanced and specific enablers complete the starter collection to offer more innovative and differentiating services

Bank API's: a set of documented and open REST API used from the mobile or web application that allows interaction with the different enablers. Designed to support the PSD2 standard APIs (Berlin Group, Open Banking, Stet ,…) for banks

Connectors: a set of documented technical interfaces that aims to exchange bulk data from a third information system to feed the enablers. Standard connectors require the bank to implement corresponding web services, but specific connectors can be developed to reuse the existing interface on the bank information system

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